Kordiva E-commerce

Kordiva connects your store, products, checkout and orders. Start by choosing the correct seller model, then follow the setup and payment guides for that model.

Understand the essentials

• Kordiva is where you manage your store, products, customers and orders.
• Stripe provides payment processing and hosted verification. A connected payment account is linked through Kordiva; creating a store does not activate payments.
• Checkout is the buyer’s payment step. A Checkout Link takes the buyer directly to an existing product or offer, so they do not need to browse your catalog first.
• Payment is money collected from the buyer. A transfer moves reviewed seller funds to the connected account. A payout moves eligible funds toward the bank. These have separate statuses and timing.
• Merchant of Record (MoR) is the legal seller to the buyer. Your business remains the seller in Business Commerce; Kordiva LLC takes that role for approved Individual MoR sales.

Choose your seller model

| Model | Who it serves | Payment responsibility | | --- | --- | --- | | Business Commerce | Registered companies and sole traders selling approved products or services | Your business remains the seller and uses Business payment, refund and payout rules | | Individual MoR | Eligible natural persons supplying approved one-time digital goods or services | Kordiva LLC is Merchant of Record; Kordiva approves and executes customer refunds and controls reserves and bank payouts |

Applications are available for North Macedonia (MK), Albania (AL), Serbia (RS) and Bosnia and Herzegovina (BA). Application approval, payment verification and LIVE activation are separate. Buyer-market and tax coverage is reviewed independently.

Set up and start selling

1. Apply and complete verification using your actual country and seller type.
2. Set up your store, choose its currency and prepare the storefront.
3. Create products with accurate prices, descriptions and delivery settings. Individual sellers follow the digital-product guide.
4. Sell through your storefront, a Checkout Link or a supported API integration.
5. Confirm payment, fulfill the order and follow the applicable Business payout or Individual payout process.

Find the right workflow

• Dashboard guide — navigation, everyday tools and model differences.
• TEST vs LIVE — validate safely and understand activation boundaries.
• Individual money and fees — transactions, costs, reserves and available proceeds.
• Individual refund requests — request Kordiva review; sellers cannot issue refunds themselves.
• Business shipping — delivery methods and physical fulfillment.
• Troubleshooting — common setup, payment and payout problems.

Booking and Rent-a-Car are separate workflows. They are not Individual digital selling models. UJP applies only to relevant North Macedonian Business workflows; it does not apply to AL, RS, BA or Individual MoR.